| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS DIVISION, INC3 Filed as: BENEFITS DIVISION INC | 125 S SWOOPE AVE SUITE 210 MAITLAND, FL 325715784 | BLUE CROSS BLUE SHIELD OF FLORIDA - HMO | $36K | — | $36K | 5.00% |
| UNITED BENEFIT ADVISORS OF FLORIDA3 Filed as: UNITED BENEFIT ADVISORS OF FL | 9432 BAYMEADOWS ROAD SUITE 260 JACKSONVILLE, FL 32256 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $1K | $13K | 12.86% |
| BENEFITS DIVISION, INC3 Filed as: BENEFITS DIVISION INC | 125 S SWOPPE AVE SUITE 201 MAITLAND, FL 327515784 | BLUE CROSS BLUE SHIELD OF FLORIDA - BLUE OPTION | $4K | — | $4K | 5.00% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL LIFE & ACC - SEE LIST | PO BOX 1365 COLUMBIA, SC 292021365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22K | $3K | $25K | 29.47% |
| FLORIDA PHOENIX GROUP LLC3 | 255 PRIMERA BLVD STE 160 LAKE MARY, FL 327462168 | VISION SERVICE PLAN | $938 | — | $938 | 6.13% |
| FLORIDA PHOENIX GROUP LLC3 | 255 PRIMERA BLVD STE 160 LAKE MARY, FL 32746 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.00% |
| FLORIDA PHOENIX GROUP LLC3 | 255 PRIMERA BLVD STE 160 LAKE MARY, FL 32746 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 10.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 129 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA - HMO | 87 | $814K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 141 | $101K |
| Vision | VISION SERVICE PLAN | 82 | $15K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 141 | $101K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 33 | $13K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 33 | $15K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 141 | $184K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.